Put your money
to work, today.

2.1% p.a. variable. Subject to change.
Money you spend lives in your everyday account. Money you want to grow lives here.

Download the app

Smiling woman in sunglasses holding a smartphone displaying a savings account app with message 'Savings sorted!' by a pool.

Put your money
to work, today.

2.35% p.a. variable. Subject to change.
Money you'll spend lives in your everyday account. Money you want to grow lives here.

Open your free account

Hand holding phone showing an app screen with an upward trending bar graph and a savings account ad.

Savings for everyday.

Right now it’s 2.35% p.a. variable.

You earn interest every day and we pay it into your Savings account each month. The rate can change and generally moves with the Official Cash Rate. When it changes, we’ll let you know.

Saving on Purpose

Simple flow. Full control. Keep your savings safe unless you really need them.

Open in seconds. Add a Savings account in the Emerge app.
Instant transfer from your everyday account. Start earning the day your money lands.
Interest builds daily on your balance and lands monthly as a single credit.
Access when you need it.
To spend it, just move money back to your everyday account.

Cards

Mobile screen showing options to create account types: Everyday, Savings, First Mortgage PIE Trust, and Global accounts.

Smiling man with beard sitting at a table in a café, looking at his phone with a cup of coffee nearby.

Smiling man with glasses using smartphone at outdoor café table with laptop and coffee cup.

Smiling man sitting cross-legged on a rug, holding a phone near a turntable in a cozy room.

Person holding phone showing app screen to create a savings account with benefits listed.

Glowing blue and green shield with a padlock icon symbolizing security against dark background.

Safe, local, looked after.

Your money matters. We treat it that way. Your funds are safeguarded in a trust account with a licensed bank. 

Eligible deposits are covered by New Zealand’s Depositor Compensation Scheme (DCS) up to the scheme limit. The app is built with bank-grade security and real-time monitoring.

Frequently asked questions

Whether you’re a startup, growing team or planning global domination, Emerge works to make your business finances more efficient at every stage of your journey.

Available on

Features

Use cases

Put your moneyto work, today.

Put your moneyto work, today.

Savings for everyday.

Saving on Purpose

Safe, local, looked after.

Ready to start investing?

Frequently asked questions

Put your money
to work, today.

Put your money
to work, today.